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Automated Clearing House (ACH) payments allow you to receive payments directly from a customer’s bank account instead of using credit or debit cards. ACH payments are provided with lower fees than card payments but also require additional payer verification and introduce longer delays of payment and refunding.
What is Stripe ACH + Plaid?
ACH payments require a verification process for payers' bank accounts. Plaid allows payers to instantly verify their bank accounts allowing them to be charged immediately in this process. This verified bank account is used by Stripe later for the charging process.